January is Financial Wellness Month, appropriately timed to the confluence of New Year’s resolutions and holiday bills. It’s a time to set new goals for financial freedom and moderation in spending; for people to understand the benefits of “paying yourself first.” A financial adviser can help shape money management goals, pointing out the power of compound interest to work for you in savings and against you in debt. Americans have a per capita income average of nearly $28,000 and a household median income of around $51,000. For family households, the median is over $64,000. There are some 175,000 personal financial advisers in the U.S., helping Americans reach their goals and turn that income into more net worth. You can find more facts about America from the U.S. Census Bureau, online at <www.census.gov>.